System and method for financial transactions

Patent metadata

Field	Value
Publication number	US-11727372-B2
Application number	US-202117320610-A
Country	US
Kind code	B2
Filing date	May 14, 2021
Priority date	Mar 22, 2018
Publication date	Aug 15, 2023
Grant date	Aug 15, 2023

Abstract

A financial transaction computing system can include an ATM and a prestaging module. The ATM can have one or more processors, a first transceiver, one or more cash cassettes, a slot exposed on an exterior of the ATM and communicating with the one or more cash cassettes, and a banknote dispensing module at least configured to move banknotes from the one or more cash cassettes to the slot. The pre-staging module can have one or more processors, a first memory, and a second transceiver. The pre-staging module can also be configured to communicate with the ATM over a wireless public network to receive a token from the ATM over the wireless public network. The pre-staging module can be configured to retrieve a pre-staged transaction from the first memory in response to receiving the token from the ATM.

First claim

What is claimed is:

1. A method of operating a financial transaction computing system comprising:
determining, with a financial institution core having a first memory and one or more processors and within a private network, that a pre-staged financial transaction including details of an account associated with a user and an amount to be withdrawn from the account is approved;
generating, with a queuing services module after said determining, a token corresponding to the pre-staged financial transaction;
transmitting, with the queuing services module, over a second network distinct from the private network, at least the amount to be withdrawn and the token, to a pre-staging module having a second memory and physically remote from the queuing services module;
transmitting, with a remote services module, the token outside of the private network;
receiving, with the pre-staging module, the token from an automated transaction machine (ATM), over a public network, after said transmitting the token over the second network, with the queuing services module;
retrieving, with the pre-staging module, the at least the amount to be withdrawn of the first input from the second memory in response to receiving the token; and
transmitting, with the pre-staging module, over the public network, the at least the amount to be withdrawn of the pre-staged financial transaction to the ATM.

2. The method of claim 1 further comprising:
storing a primary ledger of the account associated with the user and transactions associated with the account.

3. The method of claim 2 further comprising:
correlating, with the queuing services module, the token with the account associated with the user.

4. The method of claim 3 further comprising:
retaining, with the queuing services module, the correlation between the token and the account from the pre-staging module.

5. The Meshed method of claim 1 further comprising:
correlating, with the queuing services module, the token with the account associated with the user.

6. The method of claim 5 further comprising:
retaining, with the queuing services module, the correlation between the token and the account from the pre-staging module.

7. The Meshed method of claim 1 further comprising:
storing a provisional transaction against the account.

8. The method of claim 2 further comprising:
storing a provisional transaction against the account.

9. The method of claim 7 further comprising:
converting the provisional transaction to a completed transaction.

10. The Meshed method of claim 8 further comprising:
converting the provisional transaction to a completed transaction.

11. The Meshed method of claim 1 further comprising:
generating, with the queuing services module, a one-time personal identification number (OTPIN) after said determining, and distinct from the token.

12. The Meshed method of claim 9 further comprising:
generating, with the queuing services module, a one-time personal identification number (OTPIN) after said determining, and distinct from the token.

13. The Meshed method of claim 10 further comprising:
generating, with the queuing services module, a one-time personal identification number (OTPIN) after said determining, and distinct from the token.

14. The Meshed method of claim 11 further comprising:
storing the OTPIN with at least the amount to be withdrawn and the token.

15. The method of claim 12 further comprising:
storing the OTPIN with at least the amount to be withdrawn and the token.

16. The method of claim 13 further comprising:
storing the OTPIN with at least the amount to be withdrawn and the token.

17. The method of claim 14 further comprising:
transmitting the OTPIN outside of the private network.

18. The Meshed method of claim 15 further comprising:
transmitting the OTPIN outside of the private network.

19. The method of claim 16 further comprising:
transmitting the OTPIN outside of the private network.

Assignees

• Diebold Nixdorf Inc

Inventors

• Kuchenski David William
• Harris Richard
• Konecny Robert

Classifications

• G06Q20/1085 Primary

  involving automatic teller machines [ATMs] · CPC title

• G06Q20/3223 Primary

  Realising banking transactions through M-devices · CPC title

• G07F19/203

  Dispensing operations within ATMs (dispensing in general G07D11/00) · CPC title

• G07F19/211

  Software architecture within ATMs or in relation to the ATM network · CPC title

• G07F9/001

  Interfacing with vending machines using mobile or wearable devices · CPC title